MINI Cooper vs Honda Fit Insurance Cost

The MINI Cooper is cheaper to insure by about $95 a year for full coverage by our estimate ($1,210 vs. $1,305), and cheaper in 50 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	MINI Cooper	Honda Fit	Difference
State minimum	$485	$605	−$120
Standard (100/300/100)	$705	$880	−$175
Full coverage	$1,210	$1,305	−$95

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cooper minus Fit.

Why one costs more to insure

Factor	MINI Cooper	Honda Fit
Segment	Subcompact car	Subcompact car
Powertrains	Gasoline, Electric	Gasoline, Electric
HLDI collision (100 = avg)	70	—
HLDI comprehensive	67	—
HLDI property damage liability	65	—
HLDI bodily injury liability	63	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	7

Cooper vs Fit insurance by state

State	Cooper	Fit	Difference
Alabama	$1,050	$1,105	−$55
Alaska	$1,055	$1,135	−$80
Arizona	$1,270	$1,375	−$105
Arkansas	$1,060	$1,100	−$40
California	$1,180	$1,250	−$70
Colorado	$1,370	$1,460	−$90
Connecticut	$1,290	$1,420	−$130
Delaware	$1,360	$1,520	−$160
District of Columbia	$1,520	$1,630	−$110
Florida	$1,740	$1,970	−$230
Georgia	$1,505	$1,675	−$170
Hawaii	$830	$880	−$50
Idaho	$820	$880	−$60
Illinois	$1,045	$1,115	−$70
Indiana	$855	$910	−$55
Iowa	$815	$835	−$20
Kansas	$960	$995	−$35
Kentucky	$1,020	$1,105	−$85
Louisiana	$1,675	$1,820	−$145
Maine	$765	$810	−$45
Maryland	$1,360	$1,485	−$125
Massachusetts	$1,185	$1,275	−$90
Michigan	$1,315	$1,405	−$90
Minnesota	$1,005	$1,055	−$50
Mississippi	$1,150	$1,220	−$70
Missouri	$1,095	$1,160	−$65
Montana	$960	$990	−$30
Nebraska	$965	$1,000	−$35
Nevada	$1,400	$1,585	−$185
New Hampshire	$860	$910	−$50
New Jersey	$1,465	$1,635	−$170
New Mexico	$1,085	$1,155	−$70
New York	$1,630	$1,805	−$175
North Carolina	$895	$930	−$35
North Dakota	$765	$775	−$10
Ohio	$860	$915	−$55
Oklahoma	$1,085	$1,130	−$45
Oregon	$1,090	$1,210	−$120
Pennsylvania	$1,050	$1,105	−$55
Rhode Island	$1,465	$1,620	−$155
South Carolina	$1,300	$1,435	−$135
South Dakota	$915	$915	—
Tennessee	$1,000	$1,055	−$55
Texas	$1,430	$1,515	−$85
Utah	$1,100	$1,220	−$120
Vermont	$780	$805	−$25
Virginia	$1,040	$1,120	−$80
Washington	$1,055	$1,165	−$110
West Virginia	$1,005	$1,050	−$45
Wisconsin	$825	$865	−$40
Wyoming	$935	$940	−$5

By driver profile (full coverage)

Driver	Cooper	Fit
Teen driver (18, own policy)	$3,325	$3,590
Young adult (22)	$1,935	$2,090
Adult in their 30s	$1,210	$1,305
Adult in their 50s	$1,115	$1,200
Senior (72)	$1,355	$1,460
30s, one at-fault accident	$1,755	$1,895
30s, DUI on record	$2,240	$2,415

More comparisons

Frequently asked questions

Is the MINI Cooper or the Honda Fit cheaper to insure?

By our estimate the MINI Cooper is cheaper, by about $95 a year for full coverage ($1,210 vs. $1,305) for a driver in their 30s with a clean record.

Why does insurance cost differ between the MINI Cooper and Honda Fit?

Mostly because of insurance-loss history: HLDI collision indices of 70 vs. n/a and comprehensive indices of 67 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page